| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DRIVE SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 1.00% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING, LLC | PO BOX 9017 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $2K | $4K | 3.99% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | PO BOX 9017 WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.74% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING, LLC | PO BOX 9017 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $2K | $530 | $2K | 3.16% |
| JOHN NAZARETIAN3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $6K | $8K | 23.85% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.28% |
| KASSANDRA ANNE FAIR3 Filed as: KASSANDRA ANNE FAIR AND VARIOUS AGE | 20 PATRIOTS PATH SOUTH BOUND BROOK, NJ 08880 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $286 | $2K | 6.76% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $998 | $2K | 6.11% |
| LLOYD COWAN3 | 250 LAKESIDE DRIVE BRIDGEPORT, CT 06606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.79% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $138 | $798 | $936 | 2.71% |
| ERROL G NEWLAND3 | 45 WALKER ROAD TRUMBULL, CT 06611 | THE PAUL REVERE LIFE INSURANCE COMPANY | $855 | $0 | $855 | 2.47% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING, INC. | PO BOX 9017 WOODBURY, NY 11797 | EYEMED VISION CARE | $1K | $0 | $1K | 9.92% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY SUITE 415 WHITE PLAINS, NY 10601 | TRANSAMERICA | $590 | $0 | $590 | 8.76% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DRIVE PO BOX 9017 WOODBURY, NY 11797 | TRANSAMERICA | $234 | $0 | $234 | 3.48% |
| JOHN NAZARETIAN3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $121 | $5K | $5K | 124.80% |
| WENDY ELIZABETH WESOLOWSKI3 | 1284 NORTH 12TH AVENUE PENSACOLA, FL 32503 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $588 | $0 | $588 | 15.35% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $576 | $0 | $576 | 15.04% |
| SAMUEL DAVID BREIER3 | 34 GRAMERCY PARK EAST NEW YORK, NY 10003 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $88 | $215 | $303 | 7.91% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $157 | $120 | $277 | 7.23% |
| FRANK M DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $29 | $0 | $29 | 0.76% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING, INC. | UKNOWN WOODBURY, NY 11797 | PRE-PAID LEGAL | $88 | $0 | $88 | 11.64% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS | UNKNOWN WOODBURY, NY 11797 | PRE-PAID LEGAL | $70 | $0 | $70 | 9.26% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 305 | $2.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 251 | $90K |
| Vision | EYEMED VISION CARE | 218 | $15K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 0 | $67K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 208 | $102K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 208 | $102K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 305 | $2.4M |
| Other(5 contracts, 5 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 208 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.